32550 ZIP Code — Miramar Beach, FL

Walton County, Florida

ZIP code 32550 is located in Miramar Beach, Florida, within Walton County. It covers approximately 6.99 square miles and serves a population of 8,722 residents. This is a po box ZIP code in the Central (CT) timezone, served by area code 850.

About ZIP code 32550

The housing stock consists of a significant share of large multi-unit buildings. Most homes were built in the 1990s, giving the area an established character. Median home value is $557,700. Owner-occupancy sits near the national average at 73%.

The gap between median ($80,000) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 4% is below the national average. 51% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with professional and management as the leading industry. The average commute of 23 minutes is near the national average. Remote work is prevalent — 23% of workers work from home.

Educational attainment is high — 55% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 32550 reflects a community defined by a highly educated population, a high rate of remote workers, and a significant Social Security-dependent population.

8,722

population

6.99

sq mi land

PO Box

ZIP type

Central (CT)

timezone

32550 ZIP code map

Cities in ZIP code 32550

Below are the cities the US Postal Service accepts for ZIP code 32550. Using any city not on this list may result in mail delivery delays.

City	Status
Miramar Beach	Acceptable
Miramar Beach	Acceptable
Miramar Beach	Preferred

Nearby ZIP codes

32541 Destin (6.3 mi) 32578 Niceville (9.2 mi) 32459 Santa Rosa Beach (11.6 mi) 32580 Valparaiso (12.3 mi) 32579 Shalimar (13.7 mi) 32439 Freeport (13.8 mi) 32547 Fort Walton Beach (18.2 mi) 32548 Fort Walton Beach (18.3 mi) 32435 Defuniak Springs (19.4 mi)

Demographics updated 06/2026

Population
Total population	8,722
Population density	1,248 / sq mi
State FIPS	12
County FIPS	131

Geography
Land area	6.99 sq mi
Water area	1.96 sq mi
Latitude	30.3915
Longitude	-86.3511
Timezone	Central (CT)
Area code	850

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	33.4%	37.8%	43.4%
$50k – $100k	26.7%	33.0%	30.8%
$100k – $200k	28.4%	22.7%	19.3%
Over $200k	11.5%	6.5%	6.4%

Demographics & statistics

8,722

Population

1,248

People per sq mi

57.5

Median age

$80,000

Median household income

$68,078

Per capita income

$557,700

Median home value

$2,108

Median monthly rent

72.6%

Home ownership

3.8%

Poverty rate

5.9%

Unemployment

13,186

Housing units

55.2%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

126

10–14

148

223

15–19

262

162

20–24

191

422

25–34

496

306

35–44

361

422

45–54

497

397

55–59

466

393

60–64

462

807

65–74

949

379

75–84

446

227

85+

268

← Male

Female →

Age summary

Group	Count	%
Under 18	922	10.6%
18 and over	7,800	89.4%
65 and over	3,076	35.3%
Median age	57.5 years

Race & ethnicity

White 89.5%

Black or African American 5.8%

Two or more races 2.7%

Hispanic or Latino 1.6%

Asian 0.4%

Group	Count	%
White	7,931	89.5%
Black or African American	518	5.8%
Two or more races	238	2.7%
Hispanic or Latino	139	1.6%
Asian	35	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	33.4%	37.8%	43.4%
$50k – $100k	26.7%	33.0%	30.8%
$100k – $200k	28.4%	22.7%	19.3%
Over $200k	11.5%	6.5%	6.4%

Under $10k 2.5%

$10k–$15k 1.8%

$15k–$25k 5.7%

$25k–$35k 6.6%

$35k–$50k 8.8%

$50k–$75k 22.7%

$75k–$100k 7.0%

$100k–$150k 18.0%

$150k–$200k 10.1%

$200k+ 16.8%

Range	% of households
Under $10k	2.5%
$10k–$15k	1.8%
$15k–$25k	5.7%
$25k–$35k	6.6%
$35k–$50k	8.8%
$50k–$75k	22.7%
$75k–$100k	7.0%
$100k–$150k	18.0%
$150k–$200k	10.1%
$200k+	16.8%
Median income	$80,000

Housing

Home values

Under $50k 1.4%

$50k–$100k 0.4%

$100k–$150k 4.2%

$150k–$200k 1.0%

$200k–$300k 5.3%

$300k–$500k 33.2%

$500k–$1M 37.0%

$1M+ 17.5%

Housing overview

Metric	Value
Median home value	$557,700
Median rent / month	$2,108
Owner occupied	72.6%
Renter occupied	27.4%
Vacant	70.5%
Single-family detached	28.3%
Large apartment buildings	47.9%
Mobile homes	2.6%
Median rooms	4.2
Avg household size (owned)	1.93

Year built

Era	%
2020 or later	0.0%
2010–2019	4.1%
2000–2009	33.1%
1990–1999	34.4%
1980–1989	20.2%
1970–1979	6.8%
1960–1969	0.3%
1950–1959	1.1%
1940–1949	0.0%
1939 or earlier	0.0%

Bedrooms

Size	% of units
No bedroom (studio)	3.2%
1 bedroom	15.6%
2 bedrooms	34.9%
3 bedrooms	34.8%
4 bedrooms	9.8%
5+ bedrooms	1.8%

Vehicles per household

Vehicles	% of households
No vehicle	4.6%
1 vehicle	40.1%
2 vehicles	40.7%
3 or more	14.6%

Heating fuel

Fuel type	%
Utility gas	20.5%
Electricity	76.5%
No fuel used	3.0%

Households & families

Household type	Count	%
Married-couple family	2,175	51.3%
Cohabiting couple	238	5.6%
Male householder, no spouse	664	15.7%
Female householder, no spouse	1,159	27.4%
Households with children under 18	639	15.1%
Households with seniors (65+)	1,977	46.7%
Average household size	2.01

Marital status

Status	Male	Female
Never married	28.0%	17.4%
Married	58.8%	51.5%
Separated	0.6%	0.6%
Widowed	2.0%	8.7%
Divorced	10.6%	21.7%

Education

Less than 9th grade 0.0%

Some HS, no diploma 1.4%

HS graduate 16.7%

Some college, no degree 20.0%

Associate's degree 6.8%

Bachelor's degree 34.7%

Graduate / professional 20.5%

Metric	%
HS diploma or higher	98.6%
Bachelor's or higher	55.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	16	1.5%
Kindergarten	12	1.1%
Elementary school	443	41.0%
High school	310	28.7%
College / grad school	300	27.8%

Employment

Industry of employment

Professional & management 26.5%

Arts, food & hospitality 19.5%

Education & healthcare 11.0%

Retail trade 9.8%

Finance & real estate 5.7%

Transportation & utilities 5.6%

Wholesale trade 5.0%

Manufacturing 4.8%

Other services 4.6%

Construction 4.3%

Information 1.7%

Agriculture & mining 1.1%

Public administration 0.4%

Occupation

Category	%
Management, business & arts	38.5%
Service	25.0%
Sales & office	28.6%
Natural resources & construction	2.7%
Production & transportation	5.2%

Employment type

Type	%
Private sector	89.0%
Government	1.4%
Self-employed	9.7%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	75.9%
Carpool	0.7%
Public transit	0.0%
Walk	0.0%
Work from home	22.8%
Other means	0.6%
Avg commute (minutes)	22.6

Poverty

All people 3.8%

Under 18 years 0.0%

18 and over 4.3%

Married-couple families 0.7%

Female-led households 0.0%

Income support

Source	% of households
Social Security	51.4%
Retirement income	35.8%
Supplemental Security	3.8%
Cash public assistance	0.5%
Food stamps / SNAP	2.8%

Health indicators

Condition	%
Obesity	26.2%
High blood pressure	36.5%
High cholesterol	35.6%
Diabetes	10.5%
Heart disease	7.3%
Stroke	3.1%
Asthma	7.8%
Arthritis	28.2%
Kidney disease	3.1%
Pulmonary disease	7.1%
Cancer	9.2%

Behavior / access	%
Smoking	12.8%
Binge drinking	14.7%
No physical activity	20.4%
Less than 7 hrs sleep	31.3%
Depression	17.4%
Fair or poor health	11.9%
Poor mental health	12.4%
Poor physical health	9.8%
No health insurance	13.1%
Visited doctor (checkup)	76.0%
Visited dentist	69.7%
Cholesterol screening	94.0%
Teeth loss	8.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	828	10.7%

Disability	%
Any disability	11.8%
Under 18	0.0%
18–64 years	5.9%
65 and over	25.2%

Health insurance coverage

Type	%
Private insurance	72.5%
Public insurance	39.2%
No insurance	10.4%
Uninsured under 19	11.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	8,565	98.2%
Spanish	420	4.9%
Other Indo-European	218	2.5%
Asian & Pacific Islander	114	1.3%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	7,559	86.7%
Born in same state	7,478	85.7%
Born in different state	1,393	16.0%
Foreign born	81	0.9%
Naturalized citizen	1,163	13.3%
Not a US citizen	713	61.3%

Ancestry

Ancestry	Count	%
French	1,463	16.8%
Italian	1,154	13.2%
Arab	607	7%
Dutch	446	5.1%

Ancestry	Count	%
English	112	1.3%
Polish	63	0.7%
Norwegian	28	0.3%
Irish	21	0.2%

Technology access

Metric	% of households
Computer access	48.6%
Internet access	98.9%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 32550

What city is ZIP code 32550 in?

ZIP code 32550 is primarily assigned to Miramar Beach, Florida.

What county is ZIP code 32550 in?

ZIP code 32550 falls within Walton County, Florida.

Does ZIP code 32550 have an older population?

35% of residents in ZIP code 32550 are 65 or older, above the national average of ~17%.

Does ZIP code 32550 have a large retiree population?

51% of households in ZIP code 32550 receive Social Security income, suggesting a significant retiree or disability population.

How educated is the population of ZIP code 32550?

55% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Does ZIP code 32550 have a large veteran population?

11% of civilians in ZIP code 32550 are veterans, above the national average of ~7%.

What timezone is ZIP code 32550 in?

ZIP code 32550 observes the CST timezone.